Late period

I’m one day late on my period! I’m having PMS aka cramping, mood swings, acne, and peeing a lot. I am sexually active and not wanting to get pregnant right now. I know that most people wait about a week of their period being late before they test. Any advice? My cervix is relatively low and hard, but closed shut. I’m having mostly creamy and kind of watery discharge. Please comment if you’ve had similar experiences and have any advice!